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| Q: |
How much home owner’s insurance do I need? |
| A: |
Before you start, make sure each home insurance comparison has sufficient coverage for the following: |
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I) The structure of your home
II) Your potential liability to others
III) Costs for additional living expenses should you need to live away from your home after an incident
IV) Replacement value of your personal possessions |
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| Q: |
I want to buy home owner’s insurance. What is the best way to conduct a home insurance comparison? |
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Make sure that you have received at least three quotes from different home insurance companies. When conducting a home insurance comparison, follow the tips in our comparing insurance providers section. |
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| Q: |
I don’t have time to do extensive research for insurance comparisons. Is there an easier way? |
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Our free chat service is located at the top of the page. Using this service allows you to instantly search by type of insurance coverage and location to instantly chat with multiple home insurance companies for free. Searching for home insurance companies is no longer a time consuming process when you put our tools to use! |
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| Q: |
Is my driveway covered by my home owner’s policy? |
| A: |
Yes. Your driveway would be covered under your home insurance policy as long as it is constructed with permanent materials, such as concrete or paving stones. Gravel driveways are generally excluded from a home owner’s insurance policy. |
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| Q: |
I have burned a hole in my carpeting. Is this covered under my home owners insurance? |
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Yes. Home insurance companies will generally pay out for carpet as long as it has been professionally installed as a permanent floor covering. |
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| Q: |
Do I have to supply receipts when reporting my claim for stolen or damaged content items? |
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Yes, especially for larger purchases, such as your TV, stereo, or other electronics. It is always advised that receipts or warranties are kept in a safe place; ideally a fire and waterproof safety box. It is also advisable that you take photos of these valuable items. |
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| Q: |
Is my laptop covered by my home owner’s insurance policy? |
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No. Home insurance companies generally pay out if a PC or desktop computer is used for home purposes only. A PC that is used for business or a laptop is not included. |
